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Using the debit card of a small US credit union in Europe

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My college age son is traveling to western Europe in a few weeks. I've been reading on the forums and elsewhere for the best way for him to get cash, but I'm really confused. He has a checking account with a very small credit union in Chicago. He has a debit card from them, which also can be used as a Visa credit card and, according to the very helpful credit union service rep to whom I spoke, is also a Visa debit card. So, she told me, he can use the card at an ATM in Europe, for example at an AMRO ATM in the Netherlands, and he will be charged AMRO's transaction fee, plus a 1% fee imposed by Visa (which my research tells me is reasonable) AND that the transaction will go through as a debit from his account, not as a credit charge (so, without triggering interest). But I've read in this forum, and elsewhere, that Visa considers an ATM withdrawal using a Visa credit card, as a credit charge. His debit card is, as I said above, also a Visa credit card so I don't know if I can trust the service rep's assurance on this. Does anyone have any experience or advice concerning whether the use of a credit union debit card that is also a large bank credit card to make a withdrawal from a European ATM is processed as a credit or a debit? Thank you, Barbara

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